Delinquency Rate on Consumer Loans (ex credit card)
Non-credit-card consumer loan delinquency
Where the Delinquency Rate on Consumer Loans (ex credit card) stands now
The Delinquency Rate on Consumer Loans (ex credit card) was 2.33% in the second quarter of 2026. Since 2001 it has ranged from 1.48% in the fourth quarter of 2021 to 3.66% in the second quarter of 2009. It has been higher than the quarter before for two quarters in a row.
What it means for households: U.S. Default Rates by Loan Type Behind on payments? Your Rights with Debt Collectors
How the Delinquency Rate on Consumer Loans (ex credit card) has moved since 1991
Delinquency Rate on Consumer Loans (ex credit card): little changed over the past year
Consumer loan delinquency rate, excluding credit cards: 2.33% in the second quarter of 2026, little changed from 2.38% a year earlier. Quarterly, 1991–2026.
What the Delinquency Rate on Consumer Loans (ex credit card) measures
Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release
A higher rate is worse for households.
In our research, changes in this measure have tended to show up in Credit Card Delinquency at Banks Outside the Top 100 about 13 quarters later. How we tested this
How the Delinquency Rate on Consumer Loans (ex credit card) feeds the American Distress Index
The American Distress Index (ADI) is our quarterly 0–100 score of how much financial strain U.S. households are under. Late payments are one of its five equal parts, and the Delinquency Rate on Consumer Loans (ex credit card) is one of the four late-payment measures inside that part.
In the second quarter of 2026, the Delinquency Rate on Consumer Loans (ex credit card) was higher than in 52% of the quarters since 1991, so it pushed the score up. The index stood at 47.0, which we call Typical.
Delinquency Rate on Consumer Loans (ex credit card) by quarter, 1991 to 2026
Every quarter since 1991, newest first. The change compares each quarter with the same quarter a year earlier.
The source changed how it measures this in Q1 2001. Readings before the March 2001 Call Report are partly estimated by the Federal Reserve rather than reported in full detail. Smaller banks filed the FFIEC 033 and 034 forms and could report charged-off and delinquent loans under their own loan classifications instead of the regulatory ones, so the Federal Reserve adjusted and allocated those amounts to the published loan categories using estimated ratios that differed by loan category. The Board states that from the March 2001 Call Report the detail reported by all banks eliminated the need for those procedures. In February 2017 it updated the models used to estimate data not reported by small banks that filed the FFIEC 034 form and revised the pre-2001 rates for several series, so values on that side of the boundary have already moved once without any new bank report. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
| Quarter | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Q2 2026 | 2.33 | −0.05 |
| Q1 2026 | 2.28 | −0.11 |
| Q4 2025 | 2.27 | −0.17 |
| Q3 2025 | 2.33 | +0.14 |
| Q2 2025 | 2.38 | +0.19 |
| Q1 2025 | 2.39 | +0.25 |
| Q4 2024 | 2.44 | +0.30 |
| Q3 2024 | 2.19 | +0.10 |
| Q2 2024 | 2.19 | +0.18 |
| Q1 2024 | 2.14 | +0.13 |
| Q4 2023 | 2.14 | +0.24 |
| Q3 2023 | 2.09 | +0.29 |
| Q2 2023 | 2.01 | +0.22 |
| Q1 2023 | 2.01 | +0.36 |
| Q4 2022 | 1.90 | +0.42 |
| Q3 2022 | 1.80 | +0.29 |
| Q2 2022 | 1.79 | +0.29 |
| Q1 2022 | 1.65 | +0.09 |
| Q4 2021 | 1.48 | −0.30 |
| Q3 2021 | 1.51 | −0.16 |
| Q2 2021 | 1.50 | −0.14 |
| Q1 2021 | 1.56 | −0.67 |
| Q4 2020 | 1.78 | −0.31 |
| Q3 2020 | 1.67 | −0.42 |
| Q2 2020 | 1.64 | −0.48 |
| Q1 2020 | 2.23 | +0.14 |
| Q4 2019 | 2.09 | −0.06 |
| Q3 2019 | 2.09 | 0.00 |
| Q2 2019 | 2.12 | +0.10 |
| Q1 2019 | 2.09 | +0.05 |
| Q4 2018 | 2.15 | +0.13 |
| Q3 2018 | 2.09 | +0.07 |
| Q2 2018 | 2.02 | +0.05 |
| Q1 2018 | 2.04 | +0.08 |
| Q4 2017 | 2.02 | +0.05 |
| Q3 2017 | 2.02 | +0.15 |
| Q2 2017 | 1.97 | +0.07 |
| Q1 2017 | 1.96 | +0.10 |
| Q4 2016 | 1.97 | +0.10 |
| Q3 2016 | 1.87 | +0.01 |
| Q2 2016 | 1.90 | +0.04 |
| Q1 2016 | 1.86 | −0.07 |
| Q4 2015 | 1.87 | −0.15 |
| Q3 2015 | 1.86 | −0.33 |
| Q2 2015 | 1.86 | −0.42 |
| Q1 2015 | 1.93 | −0.40 |
| Q4 2014 | 2.02 | −0.35 |
| Q3 2014 | 2.19 | −0.16 |
| Q2 2014 | 2.28 | −0.15 |
| Q1 2014 | 2.33 | −0.13 |
| Q4 2013 | 2.37 | −0.19 |
| Q3 2013 | 2.35 | −0.40 |
| Q2 2013 | 2.43 | −0.33 |
| Q1 2013 | 2.46 | −0.31 |
| Q4 2012 | 2.56 | −0.34 |
| Q3 2012 | 2.75 | −0.02 |
| Q2 2012 | 2.76 | −0.12 |
| Q1 2012 | 2.77 | −0.22 |
| Q4 2011 | 2.90 | −0.17 |
| Q3 2011 | 2.77 | −0.60 |
| Q2 2011 | 2.88 | −0.47 |
| Q1 2011 | 2.99 | −0.49 |
| Q4 2010 | 3.07 | −0.44 |
| Q3 2010 | 3.37 | −0.24 |
| Q2 2010 | 3.35 | −0.31 |
| Q1 2010 | 3.48 | −0.03 |
| Q4 2009 | 3.51 | +0.11 |
| Q3 2009 | 3.61 | +0.57 |
| Q2 2009 | 3.66 | +0.85 |
| Q1 2009 | 3.51 | +0.75 |
| Q4 2008 | 3.40 | +0.74 |
| Q3 2008 | 3.04 | +0.56 |
| Q2 2008 | 2.81 | +0.42 |
| Q1 2008 | 2.76 | +0.46 |
| Q4 2007 | 2.66 | +0.42 |
| Q3 2007 | 2.48 | +0.20 |
| Q2 2007 | 2.39 | +0.21 |
| Q1 2007 | 2.30 | +0.18 |
| Q4 2006 | 2.24 | +0.16 |
| Q3 2006 | 2.28 | +0.14 |
| Q2 2006 | 2.18 | −0.16 |
| Q1 2006 | 2.12 | −0.26 |
| Q4 2005 | 2.08 | −0.23 |
| Q3 2005 | 2.14 | −0.32 |
| Q2 2005 | 2.34 | −0.19 |
| Q1 2005 | 2.38 | −0.14 |
| Q4 2004 | 2.31 | −0.30 |
| Q3 2004 | 2.46 | −0.14 |
| Q2 2004 | 2.53 | −0.17 |
| Q1 2004 | 2.52 | −0.27 |
| Q4 2003 | 2.61 | −0.09 |
| Q3 2003 | 2.60 | −0.19 |
| Q2 2003 | 2.70 | −0.13 |
| Q1 2003 | 2.79 | −0.08 |
| Q4 2002 | 2.70 | −0.40 |
| Q3 2002 | 2.79 | −0.30 |
| Q2 2002 | 2.83 | −0.14 |
| Q1 2002 | 2.87 | −0.09 |
| Q4 2001 | 3.10 | — |
| Q3 2001 | 3.09 | — |
| Q2 2001 | 2.97 | — |
| Q1 2001 | 2.96 | — |
| Q4 2000 | 3.08 | +0.12 |
| Q3 2000 | 2.98 | −0.04 |
| Q2 2000 | 2.94 | −0.21 |
| Q1 2000 | 2.91 | −0.33 |
| Q4 1999 | 2.96 | −0.20 |
| Q3 1999 | 3.02 | −0.14 |
| Q2 1999 | 3.15 | 0.00 |
| Q1 1999 | 3.24 | +0.16 |
| Q4 1998 | 3.16 | +0.07 |
| Q3 1998 | 3.16 | +0.10 |
| Q2 1998 | 3.15 | +0.04 |
| Q1 1998 | 3.08 | −0.03 |
| Q4 1997 | 3.09 | +0.01 |
| Q3 1997 | 3.06 | 0.00 |
| Q2 1997 | 3.11 | +0.14 |
| Q1 1997 | 3.11 | +0.23 |
| Q4 1996 | 3.08 | +0.16 |
| Q3 1996 | 3.06 | +0.29 |
| Q2 1996 | 2.97 | +0.40 |
| Q1 1996 | 2.88 | +0.36 |
| Q4 1995 | 2.92 | +0.54 |
| Q3 1995 | 2.77 | +0.37 |
| Q2 1995 | 2.57 | +0.09 |
| Q1 1995 | 2.52 | +0.02 |
| Q4 1994 | 2.38 | −0.06 |
| Q3 1994 | 2.40 | −0.31 |
| Q2 1994 | 2.48 | −0.34 |
| Q1 1994 | 2.50 | −0.42 |
| Q4 1993 | 2.44 | −0.52 |
| Q3 1993 | 2.71 | −0.32 |
| Q2 1993 | 2.82 | −0.35 |
| Q1 1993 | 2.92 | −0.36 |
| Q4 1992 | 2.96 | −0.56 |
| Q3 1992 | 3.03 | −0.50 |
| Q2 1992 | 3.17 | −0.36 |
| Q1 1992 | 3.28 | −0.29 |
| Q4 1991 | 3.52 | — |
| Q3 1991 | 3.53 | — |
| Q2 1991 | 3.53 | — |
| Q1 1991 | 3.57 | — |
Quarterly · Board of Governors of the Federal Reserve System data retrieved via FRED (DROCLACBS)
Counties with the highest delinquency scores
There's no county figure for this measure, so this list uses the delinquency part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99.5 |
| 2 | Washington County, MS | 99.3 |
| 3 | Leflore County, MS | 99.3 |
| 4 | Williamsburg County, SC | 99.2 |
| 5 | Dillon County, SC | 98.9 |
| 6 | Clayton County, GA | 98.9 |
| 7 | Yazoo County, MS | 98.6 |
| 8 | Sunflower County, MS | 98.5 |
| 9 | Marlboro County, SC | 98.4 |
| 10 | Dallas County, AL | 98.3 |
Questions about late payments on consumer loans
What is the current consumer loan delinquency rate excluding credit cards?
In the second quarter of 2026, 2.33% of non-card consumer loan balances at U.S. commercial banks were 30 or more days past due or in nonaccrual status, little changed from 2.38% a year earlier. The Federal Reserve Board publishes the figure as FRED series DROCLACBS.
Is this the same as the Fed's consumer loan delinquency rate?
No. The Fed's rate for all consumer loans includes credit cards. This series is its separate column for consumer loans other than credit cards, so the two figures differ. Credit cards have their own rate in the same release.
How does consumer loan delinquency connect to the American Distress Index?
It is one of four inputs to the American Distress Index's Delinquency domain, alongside mortgage, credit card and auto loan delinquency. Each input is scored against its own quarterly history.
Where does this data come from?
The Federal Reserve Board compiles it from the Call Reports that commercial banks file each quarter and publishes it about two months after the quarter ends, in its Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks release. FRED republishes it as DROCLACBS.
Sources and method for the Delinquency Rate on Consumer Loans (ex credit card)
- Board of Governors of the Federal Reserve System data retrieved via FRED (DROCLACBS) Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release We use the quarterly figures as published, from the first quarter of 1991 through the second quarter of 2026, with no adjustment of our own. Board of Governors of the Federal Reserve System’s report
- American Default Research · American Distress Index American Default Research uses this rate in the American Distress Index.
We write with assistance from AI tools. Figures come from the data and sources named on this page.